US flood insurance cost by state
This is the index of flood-insurance cost for all 51 US states and DC. The headline figure is each state's average NFIP premium against the US average of $976/yr. The table below ranks every state from most to least expensive and adds total NFIP claims since 1978 and the dominant FEMA flood zones. Tap any state for its full page, cost benchmark and similar states.
Source: FEMA NFIP — Policy Information by State (compiled by NerdWallet, May 2026). Data as of June 2026.
Every state ranked by average premium
| # | State | Avg premium/yr | vs US | NFIP claims | Top zones |
|---|---|---|---|---|---|
| 1 | West Virginia | $1,840 | +88.5% | 27,832 | AE, A, X |
| 2 | Vermont | $1,697 | +73.9% | 3,726 | AE, A, X |
| 3 | Pennsylvania | $1,513 | +55.0% | 76,907 | AE, A, X |
| 4 | Connecticut | $1,502 | +53.9% | 29,425 | AE, VE, A |
| 5 | Kentucky | $1,472 | +50.8% | 27,849 | AE, A, X |
| 6 | Missouri | $1,445 | +48.1% | 51,261 | AE, A, X |
| 7 | Maine | $1,365 | +39.9% | 5,671 | AE, VE, A |
| 8 | Iowa | $1,340 | +37.3% | 14,748 | AE, A, X |
| 9 | Tennessee | $1,220 | +25.0% | 17,649 | AE, A, X |
| 10 | New York | $1,218 | +24.8% | 175,253 | AE, VE, A |
| 11 | Massachusetts | $1,217 | +24.7% | 35,366 | AE, VE, A |
| 12 | New Hampshire | $1,201 | +23.1% | 4,422 | AE, VE, A |
| 13 | South Dakota | $1,197 | +22.6% | 4,017 | AE, A, X |
| 14 | Mississippi | $1,179 | +20.8% | 64,278 | AE, A, VE |
| 15 | New Mexico | $1,157 | +18.5% | 1,927 | AO, A, AE |
| 16 | Minnesota | $1,138 | +16.6% | 12,470 | AE, A, X |
| 17 | Ohio | $1,109 | +13.6% | 28,179 | AE, A, X |
| 18 | Rhode Island | $1,109 | +13.6% | 7,023 | AE, VE, A |
| 19 | New Jersey | $1,096 | +12.3% | 202,156 | AE, VE, A |
| 20 | Oklahoma | $1,079 | +10.6% | 12,973 | AE, A, X |
| 21 | Kansas | $1,060 | +8.6% | 7,857 | AE, A, X |
| 22 | Arkansas | $1,058 | +8.4% | 10,250 | AE, A, X |
| 23 | Illinois | $1,050 | +7.6% | 52,736 | AE, A, X |
| 24 | Washington | $1,030 | +5.5% | 16,061 | AE, A, VE |
| 25 | Indiana | $1,017 | +4.2% | 19,283 | AE, A, X |
| 26 | California | $1,015 | +4.0% | 53,545 | AE, A, AO |
| 27 | Louisiana | $1,015 | +4.0% | 484,979 | AE, A, VE |
| 28 | Idaho | $991 | +1.5% | 1,113 | AE, A, X |
| 29 | Wyoming | $987 | +1.1% | 561 | AE, A, X |
| 30 | Wisconsin | $986 | +1.0% | 9,498 | AE, A, X |
| 31 | Nebraska | $980 | +0.4% | 6,067 | AE, A, X |
| 32 | Colorado | $971 | -0.5% | 5,778 | AE, A, AO |
| 33 | Oregon | $969 | -0.7% | 6,095 | AE, A, VE |
| 34 | Texas | $966 | -1.0% | 393,669 | AE, A, VE |
| 35 | Montana | $942 | -3.5% | 2,217 | AE, A, X |
| 36 | Florida | $938 | -3.9% | 448,425 | AE, VE, A |
| 37 | Alabama | $928 | -4.9% | 44,875 | AE, A, VE |
| 38 | Nevada | $924 | -5.3% | 1,960 | AO, A, AE |
| 39 | North Carolina | $902 | -7.6% | 109,539 | AE, VE, A |
| 40 | Georgia | $889 | -8.9% | 24,418 | AE, A, VE |
| 41 | North Dakota | $871 | -10.8% | 13,307 | AE, A, X |
| 42 | Arizona | $867 | -11.2% | 5,323 | AO, A, AE |
| 43 | Michigan | $854 | -12.5% | 14,921 | AE, A, X |
| 44 | Delaware | $827 | -15.3% | 6,334 | AE, VE, A |
| 45 | Hawaii | $823 | -15.7% | 6,250 | AE, VE, AO |
| 46 | Virginia | $765 | -21.6% | 50,566 | AE, VE, A |
| 47 | South Carolina | $764 | -21.7% | 49,606 | AE, VE, A |
| 48 | Utah | $689 | -29.4% | 1,204 | AO, A, AE |
| 49 | Maryland | $505 | -48.3% | 25,355 | AE, VE, A |
| 50 | District of Columbia | $463 | -52.6% | 494 | AE, X |
| 51 | Alaska | $428 | -56.1% | 805 | A, AE, X |
Source: FEMA NFIP — Policy Information by State (compiled by NerdWallet, May 2026) (2026); OpenFEMA — FIMA NFIP Redacted Claims v2 (since 1978). Data as of June 2026.
Browse states A–Z
$928/yr (-4.9%)
Alaska$428/yr (-56.1%)
Arizona$867/yr (-11.2%)
Arkansas$1,058/yr (+8.4%)
California$1,015/yr (+4.0%)
Colorado$971/yr (-0.5%)
Connecticut$1,502/yr (+53.9%)
Delaware$827/yr (-15.3%)
District of Columbia$463/yr (-52.6%)
Florida$938/yr (-3.9%)
Georgia$889/yr (-8.9%)
Hawaii$823/yr (-15.7%)
Idaho$991/yr (+1.5%)
Illinois$1,050/yr (+7.6%)
Indiana$1,017/yr (+4.2%)
Iowa$1,340/yr (+37.3%)
Kansas$1,060/yr (+8.6%)
Kentucky$1,472/yr (+50.8%)
Louisiana$1,015/yr (+4.0%)
Maine$1,365/yr (+39.9%)
Maryland$505/yr (-48.3%)
Massachusetts$1,217/yr (+24.7%)
Michigan$854/yr (-12.5%)
Minnesota$1,138/yr (+16.6%)
Mississippi$1,179/yr (+20.8%)
Missouri$1,445/yr (+48.1%)
Montana$942/yr (-3.5%)
Nebraska$980/yr (+0.4%)
Nevada$924/yr (-5.3%)
New Hampshire$1,201/yr (+23.1%)
New Jersey$1,096/yr (+12.3%)
New Mexico$1,157/yr (+18.5%)
New York$1,218/yr (+24.8%)
North Carolina$902/yr (-7.6%)
North Dakota$871/yr (-10.8%)
Ohio$1,109/yr (+13.6%)
Oklahoma$1,079/yr (+10.6%)
Oregon$969/yr (-0.7%)
Pennsylvania$1,513/yr (+55.0%)
Rhode Island$1,109/yr (+13.6%)
South Carolina$764/yr (-21.7%)
South Dakota$1,197/yr (+22.6%)
Tennessee$1,220/yr (+25.0%)
Texas$966/yr (-1.0%)
Utah$689/yr (-29.4%)
Vermont$1,697/yr (+73.9%)
Virginia$765/yr (-21.6%)
Washington$1,030/yr (+5.5%)
West Virginia$1,840/yr (+88.5%)
Wisconsin$986/yr (+1.0%)
Wyoming$987/yr (+1.1%)
Browse by region
Northeast
Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont
Midwest
Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin
South
Alabama, Arkansas, Delaware, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia
West
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming
Average premiums are FEMA NFIP 2026; claims are cumulative OpenFEMA records since 1978. See methodology for sources and the estimator formula, or use the calculator to estimate your own cost.
Last updated: 2026-06-20